Factors Affecting Demand for Credit in Uganda.
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Date
2010-10
Authors
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Publisher
Kampala international University college of Humanities and Social Science
Abstract
This study was based on Uganda National Household Survey (UNHS) 2005/6 data
set collected by the Uganda Bureau of Statistics. Relevant data sets were extracted
and merged in stata. The underlying objective is to analyse the factors that affect
household demand for credit. The aim is provide an in depth understanding of the
individual, household and locational characteristics, not only because they affect
demand for credit but also due to the fact that the potential lenders are likely to
base their assessment of credit worthiness on such characteristics. The study
covered the whole country covering 7426 households. Factors considered important
in determining demand for credit were considered, these included individual
characteristics, household characteristics and location characteristics. Analysis was
carried out at three levels i. .e univariate, bivariate and multivariate. At univariate
level frequencies and percentages were generated and presented in table form. At
bivariate level cross tables were generated between individual factor (independent)
and the dependent variable. At multivariate level, a logit model was fitted without
considering the results of the bivariate level. All characteristics were found to be
statistically significant with exception of household income and household size. The
recommendations made include further research in Education Level and household
income how they affect demand for credit, government, non government
organisations, development partners and private sector to deliberately design credit
conditions for women, and also addressing the regional imbalances that exists.
Description
A Thesis Presented To the School Of Postgraduate Studies and Research Kampala International University Kampala, Uganda In Partial Fulfillment Of The Requirements For The Degree Masters Of Project Planning And Management.
Keywords
Credit in Uganda, Factors Affecting Demand